I have settled with Avis but note that their policy clearly states "CALIFORNIA: Automobile Liability and Property Damage Protection is not included in the rental rate. The customer may provide automobile liability insurance through a personal insurance policy or may purchase Additional Liability Insurance."
If this the norm with ALL California rentals or do some company's include it? After speaking with Avis I understand we will be liable for up to $20k pp for anyone we should injure (max. $40k,) and $10k to property without taking their STD & ALI insurances. Don't forget the $1m for something else! Cover will cost us an additional $230 - nearly as much as the rental for a week!
Our credit card company offers us cover, but just on an excess to a max. of NZ$3k.
So through my ramblings, am trying to determine if we should look at another company that includes insurances or are they all the same in California?
Any opinions/clarification greatfully appreciated.